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5 Best Pet Insurance Companies for Emergencies (2024)

Author Icon By Stephanie Koncewicz Updated 02/13/2024

Many pets experience health emergencies at some point in their lifetime. You shouldn’t have to choose between your budget and getting your pet proper emergency care during these moments. Some pet owners opt for pet insurance policies to cover emergencies and other veterinary expenses, such wellness visits and vaccines.

We reviewed more than 20 of the best pet insurance companies to find which offer quality emergency coverage. Keep reading to review our pet insurance comparison and learn which emergency pet insurance providers we recommend.


Top Pet Insurance Companies for Emergencies

We analyzed each pet insurance company we looked at based on price, plan options, coverage, customer reviews, service, waiting periods, and more to determine our top five choices for the best emergency pet insurance providers.


Compare Pet Insurance Companies

We’ve compared plan options, cost, and waiting periods for the emergency pet insurance providers on our list. Our breakdown below covers the basics for each company and the pros and cons for their policies.

Lemonade: Best Overall

We rated Lemonade 4.8 out of 5. The provider has comprehensive coverage at some of the most affordable rates on this list, but is only available in 37 U.S. states. 

  • Deductibles: $100, $250, $500
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $10,000, $20,000, $50,000, $100,000

Provider Pros and Cons

✔ Has short two-day waiting period for accidents
✔ Is the most affordable provider on our list
✔ Offers an annual 5% discount, 10% bundle discount, and 10% multi-pet discount

✘ Is only available in 37 states
✘ Doesn’t cover pets over a certain age (varies by breed)
✘ Has a lower Better Business Bureau (BBB) rating than some competitors

Why We Chose Lemonade

Lemonade covers much of the care pets need in an emergency, such as hospitalization, surgery, and X-rays. The company also has a short two-day waiting period for accidents. However, Lemonade isn’t available nationwide, and the provider doesn’t insure pets under 2 months old. It also doesn’t insure pets over 14 years old, but some breeds, such as certain bulldog varieties, are capped as young as 7 years old. Most providers that have an upper age limit cap coverage for all breeds at 14 or 15 years old.

Get a quote: Get a quote from Lemonade

Learn more: Lemonade Pet Insurance Review


Spot: Most Customizable Plans

We scored Spot 4.6 out of 5. Spot offers more emergency coverage for only a few dollars more per month than Lemonade, but it has a longer waiting period. 

  • Deductibles: $100, $250, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited

Provider Pros and Cons

✔ Offers unlimited coverage
✔ Provides a 10% multi-pet discount
✔ Is available nationwide

✘ Has a 14-day waiting period for accidents and illnesses
✘ Doesn’t cover pets under 8 weeks old
✘ Doesn’t offer as many discounts as some other providers

Why We Chose Spot

Spot has some of the most comprehensive emergency pet insurance coverage of any company we reviewed. In addition to common emergency treatments like surgeries and X-rays, it covers medical supplies such as casts, splints, and poison control consultation fees. You can opt for an accident-only plan if you want to save money and don’t mind skipping coverage for illnesses. 

Get a quote: Get a quote from Spot

Learn more: Spot Pet Insurance Review


Embrace: Best Deductibles

Embrace scored a 4.7 out of 5. The company has comparable emergency coverage to other providers but is the most expensive on this list.

  • Deductibles: $200, $300, $500, $750, $1,000
  • Reimbursement options: 70%, 80%, 90%
  • Maximum coverage limits: $5,000, $8,000, $10,000, $15,000, $30,000

Provider Pros and Cons

✔ Has an online chat and mobile app
✔ Requires only a two-day waiting period for accidents
✔ Reduces your deductible $50 each year you don’t file a claim

✘ Has limited customer service hours
✘ Caps coverage limit options at $30,000
✘ Has a six-month waiting period for orthopedic conditions

Why We Chose Embrace

Embrace has a good range of deductible options, from as low as $200 up to $1,000. The provider also offers other ways to control your monthly premium, such as multiple discounts. Embrace has a 5% military member discount, 10% multi-pet discount, and a 10% discount for employees of companies that offer Embrace.

Get a quote: Get a quote from Embrace

Learn more: Embrace Pet Insurance Review


Healthy Paws: Best Coverage Limit

Healthy Paws has a transparent approach to pet insurance and will recommend other providers if they have better prices for the coverage you want. The company has one of the most expensive monthly premiums on this list, but it offers unlimited coverage. We gave it a 4.7 out of 5 for these reasons.

  • Deductibles: $250, $500
  • Reimbursement options: 70%, 80%
  • Maximum coverage limits: Unlimited

Provider Pros and Cons

✔ Offers unlimited coverage to all customers
✔ Is frequently praised by customers for caring about pets
✔ Doesn’t require a referral to see a specialist 

✘ Waiting periods of 15 days for accidents and illnesses and 12 months for hip dysplasia
✘ Caps reimbursement rate options at 80%
✘ Only offers two deductible options

Why We Chose Healthy Paws

We read more than 100 Healthy Paws reviews, and customers consistently wrote that they feel the company genuinely cares about pets. The provider has a foundation dedicated to pet welfare, and customers wrote that representatives often check in to see how their pets are doing. Healthy Paws offers unlimited coverage with no caps per year or per treatment. However, it has a 15-day waiting period for accidents and illnesses, and its highest reimbursement rate is 80%.

Get a quote: Get a quote from Healthy Paws

Learn more: Healthy Paws Pet Insurance Review


Figo: Best Extra Coverage Add-On

We gave Figo a 4.7 out of 5. Its emergency pet insurance coverage is similar to that of other providers on this list. Its prices are on the lower end, but it doesn’t cover pets under 8 weeks old.

  • Deductibles: $100, $250, $500, $750
  • Reimbursement options: 70%, 80%, 90%, 100%
  • Maximum coverage limits: $5,000, $10,000, unlimited

Provider Pros and Cons

✔ Has a one-day waiting period for accidents
✔ Offers unlimited coverage
✔ Provides a 100% reimbursement rate option

✘ Doesn’t cover pets under 8 weeks old
✘ Charges transaction fees in some states
✘ Has a six-month waiting period for knee injuries

Why We Chose Figo

Figo offers robust emergency and comprehensive coverage. It has a standard accident-and-illness plan plus multiple optional add-ons, such as coverage for boarding fees, burial and cremation fees, lost-pet fees, preventive care, vacation cancellation fees due to pet emergencies, and vet exam fees.

Get a quote: Get a quote from Figo

Learn more: Figo Pet Insurance Review


What Is Emergency Pet Insurance?

Emergency pet insurance is a health care policy that helps cover the cost of vet treatments when your pet has an accident or illness. Most providers’ standard accident-and-illness plans cover emergency treatments. Some examples of emergency vet treatments include:

  • Diagnostic testing
  • ER exams
  • Hospitalization
  • Stomach pumping
  • Surgery

The following veterinary specialists typically accept emergency pet insurance:

  • Emergency and urgent care pet hospitals
  • Internal medicine experts
  • Oncologists
  • Ophthalmologists
  • Orthopedic specialists
  • Radiologists
  • Rehabilitation and physical therapy specialists 

Learn more about how pet insurance works in our guide.

Pet Emergencies

Get your pet to the vet as quickly as possible if you think your pet is experiencing a medical emergency. If your pet’s issues don’t appear to be urgent, call your pet insurer’s 24/7 vet helpline. You can also call the ASPCA Animal Poison Control number or the 24/7 Pet Poison Helpline for suspected poisonings.


Do You Need Emergency Pet Insurance?

Pet insurance isn’t necessary for pet owners, but it can help you save money when an unexpected accident or illness occurs. It can be especially helpful in an emergency when you must make quick decisions about your pet’s health. When your pet is facing an urgent health problem, instead of taking time to evaluate your budget or worrying if you can afford a treatment, your pet insurance will cover some or all of the cost. Having pet insurance that covers emergency treatments can give you peace of mind and help guarantee you can give your pet the quality of health care it needs.


How Much Does Emergency Pet Insurance Cost?

Emergency coverage is included in most providers’ standard accident-and-illness plans, which cost $25–$60 per month for the companies on this list. Pet insurance prices vary greatly among providers depending on their coverage and the annual limit, deductible, and reimbursement rate you choose. Your location and your pet’s breed and age also affect your monthly premium.

We went through the quote process with each provider on our list and got the following estimates:

ProviderMonthly Average for Puppies (6 weeks to 1 year)*Monthly Average for Adult Dogs (1 year to 10 years)*Monthly Average for Senior Dogs (10+ years)*

Lemonade

$19.67

$23.22

N/A

Spot

$22.02

$24.50

$128.32

Embrace

$36.02

$57.19

$91.85

Healthy Paws

$38.22

$48.65

$232.67

Figo

$29.71

$26.48

$112.73

*Sample quotes are for mixed-breed, male dogs in Raleigh, North Carolina, using ages 8 months, 4 years, and 12 years.

ProviderMonthly Average for Kittens (0 weeks to 1 year)*Monthly Average for Adult Cats (1 year to 7 years)*Monthly Average for Senior Cats (7+ years)*

Lemonade

$13.17

$13.17

$31.33

Spot

$17.35

$19.49

$62.28

Embrace

$16.15

$21.60

$36.74

Healthy Paws

$17.96

$23.44

$109.05

Figo

$18.47

$16.44

$33.39

*Sample quotes are for mixed-breed, male cats in Raleigh, North Carolina, using ages 8 months, 4 years, and 12 years.

If you’re concerned about the cost of insuring your pet, the cheapest pet insurance providers offer pet health coverage without overextending your budget.


Factors To Consider Before Buying Pet Insurance

Consider these features—and the fine print—before deciding on a pet insurer to get the best coverage at the right price for your budget.

  • Add-ons: Most providers have an accident-and-illness plan, but some also have optional add-ons, such as wellness plans for routine pet care. Look for companies that offer these plans if you’re interested in additional coverage.
  • Age limits: Some providers have a minimum and maximum age limit for your pet. Check to see if your pet is considered too young or too old to enroll.
  • Availability: Not all providers offer coverage nationwide. Check each provider’s site to make sure they’re available in your state.
  • Cost: Get a sample quote before committing to any provider to see what your monthly premium will be. You should also look at the options for annual deductibles, annual limits, and reimbursement rates to see how changing these selections impacts your premium.
  • Coverage: Coverage varies between providers and between their own plans. Make sure to read the coverage details of each plan to understand exclusions.

What Is Excluded From Pet Insurance Coverage?

While pet insurance covers a wide range of health costs, there are some limitations. A few examples of the expenses a policy may not cover include:

  • Behavioral issues: Training and treatments for behavioral problems, such as anxiety, are likely excluded from policies.
  • Boarding fees: Pet insurance companies won’t cover boarding, but they may reimburse you if your pet needs to be hospitalized.
  • Breeding costs: Insurance companies usually don’t cover breeding, whelping, or nursing.
  • Grooming and cosmetic procedures: Elective procedures, such as grooming, tail docking, and nail trimming, are excluded from most plans.
  • Pre-existing conditions: Your health plan won’t cover accidents or illness your pet experiences prior to enrollment.

Our Conclusion

All pet health insurance providers include some degree of emergency medical care coverage in their standard plans, but the specific treatments covered vary. Remember that pet insurance can’t help you if you wait until after an emergency occurs to get it. If you want veterinary bills covered when problems arise, you should enroll in a plan as soon as possible or you’ll have to pay out of pocket.

We recommend Lemonade because its emergency coverage is inexpensive and you can quickly file a claim through the provider’s app. We suggest looking at the policy’s fine print, reading customer reviews, and getting a quote from at least three companies to compare pricing in your area before deciding on an emergency pet insurance provider.


FAQ About Emergency Pet Insurance

What pet insurance can you use immediately?

No pet insurance provider lets you use your coverage immediately, but some providers have waiting periods that are only one or two days. Lemonade and Embrace have a two-day waiting period for accidents, and Figo’s is one day.

Can you get pet insurance and claim straight away?

No. You can’t file a pet insurance claim until the waiting period for your plan is over. This varies by provider, but it’s usually anywhere from two days to two weeks for most conditions.

Can you get pet insurance if your pet is already sick?

You can get pet insurance if your pet is sick. However, your pet’s condition will be considered preexisting, and you likely won’t receive coverage for it. You can still get coverage for future accidents and illnesses.

Does my pet insurance cover emergency visits?

Most standard pet insurance plans cover emergency visits. Review your policy contract to be sure.

How much should you save for pet emergencies?

According to Preventive Vet, an ER exam can cost $100–$200, and an emergency surgery can cost anywhere from $1,500–$5,000. We recommend having an emergency fund of at least $1,500 if you don’t have pet insurance. However, you should be covered for common pet emergency treatments if you have a pet insurance plan.

Does pet insurance cover emergencies in other countries?

Pet insurance companies vary in whether they’ll honor coverage when traveling outside the country you have your policy in. Check your policy’s fine print, or call and speak with a representative to check pet emergency protocol. Getting your pet emergency vet help should be the priority if your pet is experiencing a life-threatening issue.


Our Rating Methodology

We’re dedicated to thorough, in-depth reviews of each product or service that we detail in our content. Determined to build trust with our readers through transparency, accuracy, and accountability, we’ve built a detailed rating system to score pet insurance brands. Included in this methodology are the following six factors with their respective scoring weights:

  • Coverage (25)
  • Plan options (20)
  • Monthly cost (20)
  • Company reputation (15)
  • Customer service (10)
  • Species eligibility (10)

Our researchers keep all data in each company’s score up to date, making any changes to our content when necessary to provide our readers with the most accurate information on relevant metrics, such as plan options, customer service, reputation, and monthly cost.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.